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The First National Bank And Trust
Atmore, AL · FDIC Certificate #2779 · Chartered 01/0
Total assets
$238.60M
Total deposits
$218.85M
Total equity
$18.67M
Net loans
$148.28M
Branches (offices)
4
Net income (YTD)
$596.00K
Rank: #2,776 of 4,213 U.S. banks by assets · #56 of 93 in Alabama. Assets changed 5.6% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.50% |
| Return on equity | 6.48% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 7.82% |
| Tier 1 leverage ratio | 11.54% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 67.8% |
| Real estate loans (share of loans) | 76.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.48M | 76.5% | |
| Commercial & industrial | $24.50M | 16.5% | |
| Consumer / individual | $7.86M | 5.3% | |
| Construction & development | $13.79M | 9.3% | |
| Agricultural | $2.03M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $207.71M | $193.12M | $801.00K | $10.17M |
| Jun 2023 | $216.66M | $197.14M | $3.22M | $13.39M |
| Jun 2024 | $213.42M | $198.28M | $1.26M | $14.17M |
| Jun 2025 | $226.04M | $209.53M | $418.00K | $15.51M |
| Jun 2026 | $238.60M | $218.85M | $596.00K | $18.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $218.85M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $218.85M.
Similar-sized banks
Bankcda ($238.88M) · Spring Hill State Bank ($238.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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